Credit card itself was born with the beginning of 1951 in year Diners Club card. This card is as the name is intended as a card-payment credit used banquet in 27 restaurants in New York. Industry credit card issuing banks also continue to develop services to card holders. In general, the benefits for holders of credit cards are an advantage because of the supply of a product, the facility of loan repayment, and get cash for emergency conditions.
Now it has a "Credit Card" is a necessity, almost all the shopping you can pay with credit cards. Unlike the early days of rampant old had a credit card is a symbol of prestige for the owner with a wide range of credit cards in the wallet will further add to the "authority" the owner, although its function more as an ornamental purse alone. With a growing number of merchants that accept payment by credit card it will be more tempting to swipe the card holder for to satisfy their needs. No wonder people are less mature in use will be trapped into credit card debt in which he himself did not know what life would be paid. For card holders who have "broken" liquidity confusion then they later pay the mortgage debt and in desperate need of advice from financial consultants, do not be surprised if you read in the newspapers and many of the birth of the provider of financial consulting services for credit card customers with problems.
Before you get caught the problem of managing credit card bad it's good to think for tips on how to manage credit card :
Use your credit cards wisely
1 ) Pay bills to pay off the debt, because credit card interest rates are generally relatively expensive when compared to credit interest
2 ) Pay installments on time. By delaying your mortgage payments then it is likely that the money was originally intended to pay the mortgage debt could be used for other needs, too late if you pay by installments then the punishment is the application of interest.
3 ) If you can not pay the mortgage current, reduce the use of shopping for the next period.
4 ) Find another bank that provides balance transfer with a cheaper rate
Protect your credit card from crime
1 ) Immediately sign (activation) of credit card replacement / renewal and destroy old credit cards
2 ) Destroy your credit card receipt because this receipt some of contain confidential information associated with your card.
3 ) Never send your card number by fax, because you can not control the recipient's fax data.
4 ) Beware when you give your credit card number over the internet or telephone. Ensure that the system or the person receiving the information is reliable or safe.
5 ) Immediately call the call center if you feel suspicious
Review a history of use of your card
Nothing wrong with re-learn your history of your credit card. Occasionally there are transactions that you may be less confident that the transaction you are doing.
Get the right credit card and from a trusted publisher
1 ) Be alert to the card issuer that provides "the lure of" too sweet (too good to be true), for example, there is interest offer installment of the 'ordinary cheapness "usually valid only for a moment only, then you must prepare smoked.
2 ) Find a publisher that does not charge an annual. Who knows there is still a publishing company that kindly does not burden the annual fee to their customers
3 ) Read back option benefits from your credit card, can be in the form of reward points, good health or car insurance, frequent flyer facilities.
Many credit card issuers who offer their products but it is not going to benefit you earn even a lot of problems that may arise after you become a client. If we read in national newspapers have a lot of our society who become victims of credit card mismanagement or so later be hunted debt collector, when it's so who's going to helped?
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